How can I tell who owns my mortgage?

It’s not always easy to tell who owns your mortgage. Many mortgage loans are sold and the servicer you pay every month may not own your mortgage. Whenever the owner of your loan transfers the mortgage to a new owner, the new owner is required to send you a notice.

If you don’t know who owns your mortgage, there are different ways to find out.

Call your mortgage servicer

You can find the number for your mortgage servicer on your monthly mortgage statement or coupon book.

Look it up online

There are some online tools you can use to look up who owns your mortgage.

• Many mortgages are owned by Fannie Mae and Freddie Mac. Both offer a mortgage look up tool on their website.

o FannieMae’s look up tool

o Freddie Mac’s look up tool

You can look up your mortgage servicer by searching the Mortgage Electronic Registration Systems (MERS)  website.

Send a written request

Another option is to send a written request to your mortgage servicer. Your servicer is obligated to provide you, to the best of their knowledge, with the name, address, and telephone number of the owner of your loan. You can send a Qualified Written Request or a Request for Information.

Here is a sample letter  to help you write your mortgage servicer to request information.